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Cyber Liability - NetGuard® Plus

Minimum Premium

NetGuard® Plus provides protection for a broad range of network, privacy, and multimedia-related exposures. Intentional data theft by criminal hackers or accidental data exposure from a lost laptop or smart phone are common occurences in businesses of all sizes. Losses are increasing as a result of public awareness of identity theft and there has been a marked increase of class action lawsuits. NetGuard® Plus is state-of-the-art coverage for this ever-growing risk.

We’ve enhanced our cyber policy to meet the demands of today’s small to midsize businesses (SMBs).  The following coverages are available for SMB companies with up to $250MM in revenue and available on a case by case basis for companies with larger revenues.

  • Full limits on Privacy Breach Response, Voluntary Notification and Network Asset Protection. Privacy Breach Response Costs Outside the limit are also available.
  • Broad Cyber Crime coverage that includes coverage for Financial Fraud, Telecommunications Fraud, and Phishing Attack and fraudulent wire transfer requests
  • BrandGuard® coverage for reputational harm due to attacks from a cyber breach - now included up to the policy limit on most quotes
  • Dependent Business Interruption – Business interruption losses in the event that the insured’s cloud provider goes down and expenses incurred as a result of outages caused by an insured’s cloud provider or web host  
  • New cutting edge policy language that includes a broad trigger for Network Asset Protection, including system failure and negligence
  • Choice of breach response vendors and attorneys (with prior NAS approval)
  • Option for a per-identity breach response limit, in addition to the typical dollar limit available from most carriers.
  • Coverage for PCI DSS fines/penalties and related PCI assessment expenses - now covered up to the policy limit on most quotes.
  • Unknown prior acts coverage is available for covered cyber incidents occurring any time prior to the inception date of policy

Michael Palotay
Chief Underwriting Officer
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Mike Karbassi
Vice President - Northeast Regional Underwriting Manager
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Ari Giller
AVP, Mid-West Regional Cyber Manager
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Jordan Rankell
AVP, West Coast Regional Manager
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Tina Porcelli Levine
Senior Underwriter - Southeast Region
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Limits Available:

Up to $15,000,000/$15,000,000

Minimum Premium: $750

Minimum Deductible: $500

  • Breach Response Costs are in addition to the policy aggregate limit
  • Network Asset Protection is triggered by both accidental and intentional damage.
  • Coverage for Privacy Liability Assumed Under Contract.
  • Brandguard®
  • Up to $2,000,000 of PCI fines and Penalties are available
  • Voluntary Notification costs are covered
  • NAS Risk Management Website
  • Worldwide Coverage and international notification

Target Classes

We provide coverage for a wide array of businesses, include but not limited to:

  • Healthcare including Hospitals, Medical Groups, Physicians
  • e-Commerce
  • Brick & Mortar Retailers
  • Education
  • Auto Dealerships
  • Utilities
  • Staffing
  • Associations
  • Municipalities
  • Financial
  • Insurance Agents

Marketing Support

NetGuard® Plus, now with BrandGuard, is uniquely designed to provide protection in the event of a cyber breach. Check out the video below:


Cyber Risk Management:
Online Support

Access our demo site at:


Password: StopBreaches (case sensitive)

Specialty Reinsurance

NetGuard® Plus Cyber Liability is also available on a reinsurance basis. Whether you are a mutual insurance carrier looking to provide cyber as a component to your BOP, or if you're a program provider looking to differentiate your GL coverage, contact us today on how we can customize a cyber program for you.

Email Desiree Khoury, Reinsurance Manager, for details!



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NetGuard Plus Renewal App


NetGuard Plus Application


NetGuard Plus Policy